We're here to help
We stopped offering new Life Insurance policies from 1 April 2021. If you already have a Life Insurance policy, there’s no change to your cover.
We’ll do everything we can to deal with a Life Insurance claim as quickly as possible, giving you the support you need at a difficult and emotional time.
We’ll provide you with a personal claims manager to support you through the process, and explain what information we’ll need to complete the claim.
To speed things up, we recommend:
- Contacting us as soon as possible, so we can begin processing the claim
- Having all the documentation ready
- Ensuring that certification is complete for documents that need it.
We understand that a Life Insurance claim always comes at a difficult and emotional time. We'll make the process as easy as we can, with a personal claims manager to support you through the process, step by step.
1 Notify us
The sooner we're notified, the quicker we can start to assess the claim. Call 1300 996 143 within 12 months of the death or diagnosis of terminal illness.
2 Make a claim
When you call us to start the claims process, we will send you the necessary forms that you will need to complete. Submit your claim form, any supporting documents and information so we can assess your claim as soon as possible.
We'll be in touch as quickly as we can to let you know the progress and outcome of the claim.
Have a question? We can help
When submitting your claim, please provide the following:
- Completed Life Insurance claim form
- Certified copy of the Death Certificate, Medical Attendant's Certificate or another document showing evidence of death
- Certified copy of evidence of the insured's birth certificate, passport or another formal document showing their age
- Certified copy of proof of identity for the person making the claim and their relationship to the insured
We work collaboratively with families, loved ones, and legal and medical authorities, so we can access information and assess the claim as quickly as possible.
1800 731 122
Reply Paid GPO Box 5380
Sydney NSW 2001
A certified document is a copy signed and stamped by an authorised person who has checked it against the original document. In Australia, a range of authorised people in your community can complete this, including Medical Practitioners, Legal Practitioners, Court Officials, Justices of the Peace (JP), Full-time Primary or Secondary School Teachers, Pharmacists, Veterinarians and Police Officers.
To certify your documents:
- Make copies of the original documents. If you don't have a photocopier, most newsagencies offer this service
- Take the original documents, such as your driver's licence, the insured's driver's licence or evidence of death and your copies to an authorised person to sight, stamp and certify your copies as true and original.
When we assess your application or claim, we may ask you to get examined by an independent medical specialist or attend rehabilitation.
We'll always try to organise appointments that are close and convenient to your home. If we can't find a suitable provider nearby and you live in a rural or regional area, we'll pay your reasonable medical appointment transport costs.
We'll also organise flights and accommodation for you to attend medical assessments if needed. If there's a medical reason you can't travel alone, we may pay the travel costs for someone to go with you. You'll need to approve this with us first to confirm what expenses we can reimburse you for. We're here to help you find a suitable solution.
To ensure there's disabled access at your medical appointment, please speak to your personal claims manager.
When you submit your claim you'll be assigned a personal claims manager who'll guide you through the claims process from start to finish.
Our claims managers are specialists in helping people at difficult times, and they're responsible for paying all claims that meet the terms and conditions of the policy as quickly as possible.
Have a question? We can help
If the claim is successful, we'll provide an advance payment of $10,000. This is to help with expenses such as legal fees, or gaining Probate or Letters of Administration. The remaining balance of the sum insured will then be paid to the nominated beneficiaries.
We generally pay out Life Insurance claims within 48 hours of receiving completed claim requests. It may take a little longer if the bank account we're depositing into is a credit union or we receive your completed claim form and the certified documents close to a weekend or public holiday. It can also take longer if there are multiple beneficiaries, or if the policy didn't have a nominated beneficiary.
We know it can be hard going to medical appointments and getting documents quickly.
That’s why we’ll work with you to agree a reasonable time to get everything back to us. We’ll also help you book appointments and request documents to support your application or claim.
Remember, keep us updated as you go. If you miss your deadlines, we might have to close your application or claim.
If we’ve asked for information from you, we’ll contact you to keep you up to date about the process. And if you have questions, get in touch with your claims manager for help.
The best person to speak to is your claims manager, whose job is to know your case inside out.
If you have any questions or need help before you've been assigned a claims manager, please call us on 1300 996 143.
Generally, any payouts received from a Life Insurance claim are tax-free. Please check with your accountant to ensure this applies to your individual tax situation.
Have a question? We can help
If an NRMA Life Insurance customer passes away or becomes terminally ill with a life expectancy of less than 12 months to live, we could provide:
- A lump sum benefit
- Access to free phone-based trauma and loss counselling
- A $10,000 advance payout as soon as the claim is approved, to assist with legal costs in finalising the insured's estate.
For more details about what is and isn't covered by your NRMA Life Insurance policy, please refer to your Product Disclosure Statement (PDS) and policy documents.
This is the person that the claim payments are paid to when the claim is processed and approved.
If the policy doesn't have a nominated beneficiary, the claim is paid into the insured's estate and the claim will need to be updated with those details.
If the policy has a nominated beneficiary, but this person is now deceased, please contact 1300 996 143 to discuss options.
Any remaining people that are insured can continue to be covered under the policy. We'll change the policy to reflect the claim and send an updated policy schedule to the new policy owner. A primary insured may need to be determined if the current one is deceased.
Things you should know
NRMA Life Insurance is issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 and promoted by IAL Life Pty Ltd ABN 137 509 936 Authorised Representative No. 427847 of TAL Direct Pty Ltd ABN 39 084 666 017 AFSL 243260 (which is a related entity of TAL Life Limited). TAL Direct Pty Ltd has been authorised under an arrangement with TAL Life Limited to enter into, vary or cancel insurance cover on behalf of TAL Life Limited. Life Insurance information on this website is provided by TAL Direct Pty Ltd and IAL Life Pty Limited. This is general advice and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase or continue to hold NRMA Life Insurance, you should consider whether the advice is the appropriate for you, having regard to your personal circumstances, and the applicable Product Disclosure Statement (PDS). You can get a copy of your PDS or our Financial Services Guide (FSG) by calling us on 1300 996 143.